Otc Expert Credit Management

**Life Unlimited**. At Smith+Nephew we design and manufacture technology that takes the limits off living.  **Role Overview** The Credit Expert – LATAM & Canada is a key regional expert responsible for supporting the execution, control, and continuous improvement of Credit Management activities across multiple countries. Reporting to the Regional Credit Manager, this role plays a critical part in credit risk assessment, operational execution, and compliance, ensuring alignment with Smith+Nephew’s global control framework while supporting business growth and cash flow performance. This position combines hands-on operational responsibilities with analytical expertise, acting as a trusted partner to Finance, Commercial, GBS, and Customer Service teams across the region. **What will you be doing?** **Credit Risk Analysis & Decision Support** * Perform detailed credit assessments for new and existing customers, including financial statement analysis, financial ratios, credit reports, and risk evaluation. * Recommend credit limits, risk classifications, and payment terms aligned with business strategy and risk appetite. * Support periodic portfolio reviews, proactively identifying emerging risks and exposure trends. * Monitor customer creditworthiness and overall credit risk across LATAM and Canada **Credit Operations & Execution** * Execute credit limit setup, reviews, and adjustments in compliance with the Delegation of Authority Matrix (DAM). * Perform order release activities within assigned authority, ensuring balance between risk control and business continuity. * Implement and maintain payment term changes in ERP systems in line with approved authority levels. * Monitor credit limit utilization and headroom, taking proactive actions to prevent blocked orders. **Cash Flow & Collections Support** * Support regional initiatives to reduce DSO, manage overdue balances, and improve cash flow performance. * Analyze Accounts Receivable (AR) aging and highlight key risks and action areas. * Assist in resolving complex disputes and escalations, ensuring timely closure and root cause identification. * Provide input into bad debt provisioning and write-off processes. **Governance, Controls & Compliance** * Ensure compliance with SOX, MAPs, and internal Credit Management policies and controls. * Support the maintenance and continuous improvement of Standard Operating Procedures (SOPs). * Ensure all activities (credit approvals, order releases, payment term updates) are fully compliant with DAM. * Maintain accurate and up-to-date credit data and third-party reporting tools. **Stakeholder Collaboration** * Partner with Regional Credit Manager, Finance Business Partners, Commercial teams, Customer Service, and GBS. * Act as a key contact for operational credit topics and escalations within the region. * Support alignment between commercial objectives and credit risk management. * Contribute insights and analysis to support decision-making at regional level. **Continuous Improvement & Reporting** * Identify and support process improvements, standardization, and automation initiatives. * Assist in preparation of credit performance reporting (DSO, overdue, exposure). * Contribute to documentation, training, and knowledge sharing within the team. **What will you need to be successful?** **Education** * Bachelor’s degree in Finance, Accounting, Business Administration, or related fields. **Experience** * +5 years of experience in Credit management / Order-to-Cash. * Proven hands-on experience in: * Credit risk analysis and financial statement interpretation. * Credit limit management and order release processes. * ERP-based payment term management . * Experience in multinational, multi-country environments (preferred). **Technical Skills** * Strong knowledge of Collections, Order-to-Cash processes and Credit Management practices. * Experience with SAP or AX ERP systems (preferred). * Advanced Microsoft Excel skills (data analysis and reporting). * Familiarity with credit risk tools and external credit agencies. **Core Competencies** * Strong analytical and problem-solving skills. * High level of attention to detail and control awareness. * Ability to balance risk management with commercial needs. * Effective communication and stakeholder engagement skills. * Proactive, adaptable, and continuous improvement mindset. **Languages** * Intermediate English skills * Portuguese (desirable). **You. Unlimited**  We believe in creating the greatest good for society. Our strongest investments are in our people and the patients we serve.   **Inclusion+belonging:** Committed to Welcoming, Celebrating and Thriving, learn more about employee inclusion groups on our [website](https://www.smith-nephew.com/en-us)  **Other reasons why you will love it here!**  * Connectivity allowance   * 100% prepaid medical plan for the employee and dependents (spouse and children)  * Life insurance   * Funeral insurance (voluntary)  * Performance bonus  #LI-HYBRID #LI-MA1 Stay connected by joining our [Talent Community](https://smithnephew.wd5.myworkdayjobs.com/External/page/4ba17039009510002b17ea5e89c40000). We're more than just a company - we're a community! Follow us on [LinkedIn](https://www.linkedin.com/company/smith-&-nephew/) to see how we support and empower our employees and patients every day.   Check us out on [Glassdoor](https://www.glassdoor.com/Overview/Working-at-Smith-and-Nephew-EI_IE10233.11,27.htm) for a glimpse behind the scenes and a sneak peek into **You. Unlimited.**, life, culture, and benefits at S+N. Explore our [website](https://www.smith-nephew.com/en/) and learn more about our mission, our team, and the opportunities we offer.